Paypass is Mastercard's online payment system which, like the other systems, also works with near field communication
. Unlike Girogo from the Savings Bank Association, the Paypass credit card does not have to be loaded with a credit amount. However, it can also be used only for paying small amounts. During the payment process, the NFC credit card is held just a few centimeters in front of the NFC terminal
and activated by it. Paywave is accepted by some restaurant chains and gas stations and is trying to establish itself on the market like the competing NFC card systems from Girogo and Paywave.
Mastercard offers a shop locator so that the customer also knows where he can pay with Paypass.